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FHA 203K Renovation Programs

Available to borrowers with Credit Scores down to 580!


The Streamlined 203(k) program is intended to facilitate uncomplicated rehabilitation and/or improvements to a home for which plans, consultants, engineers, and/or architects are not required. Due to the rehabilitation amount limitation of $35,000, eligible improvements are limited and cannot include any major rehabilitation or remodeling, new construction such as a room addition, repairs to structural damage, or site amenity improvements.


  • Only 3.5% down required for qualified borrowers down to a 580 credit score
  • Gift funds can be used for down payment
  • Sellers can contribute up to 6% of purchase price towards buyers closing costs